---
canonical_url: https://lendb.ai/lo/robert-caldwell-1918086
json_url: https://lendb.ai/lo/robert-caldwell-1918086.json
nmls_id: 1918086
last_verified: 2026-10-15
---

# Robert Caldwell

Loan officer at Better Mortgage. NMLS ID 1918086 ([verify at NMLS Consumer Access](https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1918086)).

**Summary:** Robert Caldwell (NMLS 1918086) is a loan officer at Better Mortgage. Licensed in 4 states confirmed with state regulators: Florida, Texas, Connecticut and Louisiana. Better Mortgage also offers Crypto / Bitcoin mortgage, FHA loan, HELOC, Real estate investor and VA loan (a lender program, not confirmed as their own focus). Earliest state license record: March 28, 2020 (Texas), per state regulator. Last verified 2026-10-15.

## At a glance

- Earliest state license record: March 28, 2020 (Texas), per state regulator. A record date from the state rosters we hold, not proof of continuous licensure or total experience.
- Licensed in: Florida (FL, confirmed), Texas (TX, confirmed), Connecticut (CT, confirmed), Louisiana (LA, confirmed)
- Works at an FHA-approved lender, per HUD (HUD FHA data, loans endorsed through Aug 2026): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot
- License confidence: confirmed = state regulator roster; lender_reported = listed on the lender page only; federal_registration = inferred from a bank or credit union employer.
- Languages: not listed
- Profile: unclaimed
- Status: active

## Specialties

### Focus (officer level: their own bio, title, certification, specialty list or claim)

- None on file yet.

### Their lender offers (lender level: Better Mortgage's programs, not confirmed as this person's focus)

- **Crypto / Bitcoin mortgage** (`crypto-mortgage`): verified 2026-10-08. Source: https://better.com
- **FHA loan** (`fha`): verified 2026-10-08. Source: https://better.com
- **HELOC** (`heloc`): verified 2026-10-08. Source: https://better.com
- **Real estate investor** (`investor`): verified 2026-10-08. Source: https://better.com
- **VA loan** (`va`): verified 2026-10-08. Source: https://better.com

## Licenses

| State | Type | Number | Status | Confidence | Issued | Source | Verified |
|---|---|---|---|---|---|---|---|
| FL | state_license | LO69707 | active | confirmed | 2020-04-24 | state_regulator | 2026-10-15 |
| TX | state_license | n/a | active | confirmed | 2020-03-28 | state_regulator | 2026-10-13 |
| NY | state_license | n/a | inactive | confirmed |  | state_regulator | 2026-10-14 |
| CT | state_license | LO-1918086 | active | confirmed |  | state_regulator | 2026-10-15 |
| LA | state_license | n/a | active | confirmed |  | state_regulator | 2026-10-15 |

## Employment history

- ? to present: Better Mortgage (NMLS 330511). Source: https://www.sml.texas.gov/, verified 2026-10-13.

## Disciplinary history

Disciplinary history not yet checked by LenDb. Verify at NMLS Consumer Access: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1918086

## Contact


## Sources

- nmls: https://www.nmlsconsumeraccess.org/EntityDetails.aspx/INDIVIDUAL/1918086
- state_regulator: https://real.flofr.com/Public/LO/LoanOriginators_AI_Monthly.zip
- state_regulator: https://www.sml.texas.gov/
- state_regulator: https://www.dfs.ny.gov/
- state_regulator: https://portal.ct.gov/dob/consumer-credit-licenses/consumer-credit-licenses/mortgage-loan-originators-licensed-in-connecticut
- state_regulator: https://ofi.la.gov/non-depository/residential-mortgage-lending/originators-by-lender/
- manual (lender programs): https://better.com
- HUD (FHA data): https://www.hud.gov/stat/sfh/fha-sf-portfolio-snapshot

Cite as: Robert Caldwell (NMLS 1918086), Better Mortgage. LenDb.ai, https://lendb.ai/lo/robert-caldwell-1918086, last verified 2026-10-15.

_Not a lender. Not a referral service. Verify licenses at NMLS Consumer Access._